What Ben Says:

I used Dave's services to find a mortgage when I first purchased my condo in 2002. Since then, I have refinanced twice, again using his services. At every point I compared Dave against my local credit union.

What are Dave's strengths? It is not quite on price: I can probably save some money by going with my credit union for certain (emphasis on certain, not all) common loan products, e.g., a 30-year fixed with a 1-point discount.

Dave's strength lies in his role as a broker, with access to a range of loans to fit the more unusual situation. And a borrower probably has at least an unusual requirement or constraint. For example, when my wife and I first bought, we were on foreign worker and international student visas. When we last refinanced, we wanted to pay points for a significantly lower rate. In both cases, Dave connected us with the right lender.

In addition to providing access to the right loan, Dave and his team coordinated the activities of various other parties (appraisers, escrow and title, etc). Their efforts and outcomes have been superior. A staff member, Michelle, in particular, has been very responsive and thorough. (Hi Michelle!)

I am very appreciative of another role that Dave plays as I evolved in my financial life: More than being a vendor of products, Dave is an advisor, who challenges old views and introduces new perspectives on how to manage wealth and net worth. He and I have spent hours just talking, about home equity, insurance, stocks, options... how one can use these well to improve returns and lower risks.

So, Dave is more than just a broker. He is a professional focused on the interests of his clients. I highly recommend him.

Ben Lee, Ph.D.